Most insurance policies provide coverage for sudden and accidental losses that cause damage to homes, businesses, or rental properties. For best results, contact the experienced property damage attorneys at Gankin Law (866) 529-2820 before initiating a first-party insurance claim.

Before you speak to anyone, call the experienced property damage attorneys at Gankin Law Corporation at (866) 529-2820. We can provide a free consultation to explain the entire claims process to you and help determine whether there should be coverage for an insurance claim and how you can get your money back. The way that a claim is reported and the wording used, may determine if your claim is successful. Often clients try to handle this process on their own but report information incorrectly, which may lead to limited coverage or a denied claim. Insurance policies often require you to take certain steps after a loss. Most insurance policies generally refer to these steps as “Your Duties After a Loss”. If you fail to meet these duties, your insurance company may have grounds to deny your claim, partially or in its entirety. When you retain Gankin Law Corp, we can assist you and ensure that you satisfy all of your duties per subject policy.

Generally, a homeowners policy will have coverage for dwelling (your home), other structures (structures on your lot, not attached to your house), personal property, and additional living expenses. A business policy will often have coverages for business property and loss of business income, wherein a landlord policy will have coverage for the rental property, whether commercial or residential and a loss of rent. Besides policy limits on the declarations pages for each particular policy, other limitations may apply to your recovery. Even beyond properly documenting your damages to maximize recovery, Gakin Law Corporation works with clients to properly document and designate all damages to maximize the chances and amount of recovery. In an instance of a theft, there may be special limits that significantly limit recovery for stolen cash, jewelry, watches, firearms, electronics, rugs, and furs. Damage to personal or business property from fire, water, or any other type of damage should be properly documented with photos and items preserved for inspection. A policyholder should not discard any items until an insurance carrier has agreed to pay for a replacement. When submitting a claim for additional living expenses, a policyholder may seek payment for increased utility and food expenses, but these must be properly documented. The above limitations and others may apply, so you as a policyholder should consult Gankin Law Corporation or your attorney as early as possible in your claims process. Contact us at (866) 529-2820 for a free consultation.

We sometimes hear this from our clients at the outset of their claims, but you have to realize that the insurance or independent adjuster works for your insurance company. They are paid by insurance carriers and it is their job and duty to represent the interests of the insurance company. Who will represent your interests? You need an experienced property damage attorney, who will work for you to protect your interests and maximize your recovery. Unfortunately, we hear all of the time from clients when it is too late for them to document and recover some of the damages, which could have only been recovered if they were documented by our law firm and experts we work with, had the client only entrusted their claim to our firm earlier in the claims process. Contact Gankin Law Corporation for a free consultation and don’t wait until it’s too late! If you have an experienced property damage law firm like Gankin Law Corporation on your side, this will not only force the insurance company to handle your claim with more care, but it will likely speed up and also maximize your recovery because an insurance adjuster will know that they are dealing with a professional and experienced attorney that handles these claims constantly, and they will avoid their attempts to limit or exclude coverage that you deserve under your policy.